cant believe how bank wants to trick you

I yearly renew my multi loan, it expires in January. Took time off and went into bank on Friday morning. <br> they said they have a new system, its now called something new T&C changed its now a 6month facility, all understood. <br> In the past I qualified for a R1300 - payable back Monthly. To my dismay, I was denied renewal of this facility.<br> Not sure why, because according to the consultant I do qualify for a consolidation of my current long term account and another Nedbank loan, both finishing in aprox a year, and then I get a R26 000 cash over a term of 64 months <br> But I told the lady but I don't want that money, I just want to be able to access a monthly loan conveniently if needed, and pay it back montly.<br> I could really not comprehend why im denied R1300 a month being paid back monthly, never skipped a payment once in 5 years , yet they want to give me R26 000 with . where is the ethicality in this. <br> Clearly this proves that capitec is out to put me in a financial straint to commit to a 64 month term and pay back R30 000 in interest to them. Don't think I will be taking out my next loan with you guys. Come January 2017.